The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$25,967
−HK$1,628/mo
▼ 0.25% · 3.875%
HK$26,774
−HK$821/mo
Today · 4.125%
HK$27,595
baseline
▲ 0.50% · 4.625%
HK$29,274
+HK$1,679/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$55,190/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,888
−HK$1,560/mo
▼ 0.25% · 3.875%
HK$29,662
−HK$786/mo
Today · 4.125%
HK$30,448
baseline
▲ 0.50% · 4.625%
HK$32,053
+HK$1,605/mo
Deposit HK$5.69M · loan HK$5.69M · min. income ≈ HK$60,896/mo (50% DSR)
Upfront cash ≈ HK$6.12M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$31,160
−HK$1,954/mo
▼ 0.25% · 3.875%
HK$32,129
−HK$985/mo
Today · 4.125%
HK$33,114
baseline
▲ 0.50% · 4.625%
HK$35,129
+HK$2,015/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$66,228/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$34,665
−HK$1,873/mo
▼ 0.25% · 3.875%
HK$35,595
−HK$943/mo
Today · 4.125%
HK$36,538
baseline
▲ 0.50% · 4.625%
HK$38,464
+HK$1,926/mo
Deposit HK$4.56M · loan HK$6.83M · min. income ≈ HK$73,076/mo (50% DSR)
Upfront cash ≈ HK$4.98M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$36,353
−HK$2,280/mo
▼ 0.25% · 3.875%
HK$37,484
−HK$1,149/mo
Today · 4.125%
HK$38,633
baseline
▲ 0.50% · 4.625%
HK$40,984
+HK$2,351/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$77,266/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$40,443
−HK$2,185/mo
▼ 0.25% · 3.875%
HK$41,527
−HK$1,101/mo
Today · 4.125%
HK$42,628
baseline
▲ 0.50% · 4.625%
HK$44,875
+HK$2,247/mo
Deposit HK$3.42M · loan HK$7.97M · min. income ≈ HK$85,256/mo (50% DSR)
Upfront cash ≈ HK$3.84M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,740
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$48,194
−HK$1,477/mo
Today · 4.125%
HK$49,671
baseline
▲ 0.50% · 4.625%
HK$52,693
+HK$3,022/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$99,342/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$51,998
−HK$2,809/mo
▼ 0.25% · 3.875%
HK$53,392
−HK$1,415/mo
Today · 4.125%
HK$54,807
baseline
▲ 0.50% · 4.625%
HK$57,696
+HK$2,889/mo
Deposit HK$1.14M · loan HK$10.25M · min. income ≈ HK$109,614/mo (50% DSR)
Upfront cash ≈ HK$1.57M (deposit + AVD stamp duty HK$427,034 · Scale 2, in force from 26 Feb 2026)